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tv   Right Side With Armstrong Williams  CBS  January 10, 2016 11:30pm-12:00am CST

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fish. alright, now i'm starting to take up a little line. he's right at the back of the boat. he's still down deep though. i still got to winch him up. get a couple more cranks on, and then pull. couple of more cranks, alright. [marco gaona] not a whole lot you can do. you're only using twenty-pound tast, trying to catch an eighty-pound fish. [buck mcneely] yea, i can't horse him too much. there's a fine line there, between exerting your strength and exerting too much to pop the line. alright. well, it's a test of wills at this point. but you know what? i don't think this is a fish. i think it's a buick. he's right here at the back of the boat. he's got to give up. i don't see him yet though. he's got to give up soon. come on, baby! come on! we'll turn you loose when we're done. i promise. what a powerful fish.
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what, this fish isn't that far away if it would just give up. if it would quit, i'd put the reel, put the line on the reel in a hurry. [marco gaona] alright! [otie] oh, there he is. [marco gaona] okay! get back there for your photo, buck. get behind the fish, there. let me turned down for the- [buck mcneely] spectacular fish! [marco gaona] beautiful fish. what do you think about that, buck? [buck mcneely] look at that! that is a spectacular fish. what do you think it'll weigh, marco? [marco gaona] lay him on the on the lower cooler. [buck mcneely] what do you think it'll weigh, marco? [albert] he's about seventy-five, eighty pounds. [marco gaona] you think so, albert? [albert] yeah! [marco gaona] that's a pretty fish. [buck mcneely] absolutely spectacular! he gave me
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gaona] okay, let's get him revived and in the water. [buck mcneely] alright, let me get out of the way then. [marco gaona] go ahead and film them reviving him. [buck mcneely] way to go, guys! [marco gaona] get in there behind the fish, like he is there, buck. if you can. [buck mcneely] there he is in the sun there, nice and spectacular. look at all the colors. what an absolutely beautiful fish. [marco gaona] okay, now we're going to put him in the water, revive him, buck, before we let him go. [buck mcneely] yeah! yeah! let's turn him loose and let him live. [marco gaona] come on round the side here and you'll get a good shot of him reviving the fish. [buck mcneely] well, fellows, we just caught the biggest sailfish of my life and from what you guys are saying, a pretty exceptional fish. great team work by everybody to get him up here, get some good pictures and turned him loose alive. i want to say a special thanks to all the hard work of everybody. you did good! you did good! you did good! how did i do, captain? [marco gaona] you did a great job, buck! good job! [buck mcneely] well, i'm tired now- [marco gaona] you ready to go back? [buck mcneely] what was it? about a forty-five minute fight? [marco gaona] oh yeah,
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every bit of it! the sun's going for the day. if you want more fish, contact captain marco gaona at the following address and phone number. i'm buck
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exciting adventure. >> today we are discussing cyber fraud and what we can do to save
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>> welcome to "rightside" i achl raphael armstrong. i have three experts at making sure your identity is protected especially with the upcoming christmas season, vice president consumer david evans and john breeo. vice president of fraud at the national consumer's league. thank you for joining me. i want to start with, it is christmas season. people are traveling all over the place, how can you protect yourself from a consumer's standpoint? >> holiday season is also a scam season for con artists. they know the consumers are out online spending billions shopping for loved ones. high time for charity scams, gift card scams. scammers know consumers are
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>> talk about charity scams. >> holiday season is big time for non-profit to raise money. end of the year people want a tax break. consumers go online looking for -- they'll create websites affiliated with a charity, call you on the phone, sometimes knocking on doors saying they are affiliated with a particular charity. >> as a consumer, how can you protect yourself? >> doing your due diligence, go to bbb, check out ahead of time before you donate. when you pay, pay the safest way with plastic, credit card or debit. if you later find out this charity is a scam you can dispute the charge and not out
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it is important for consumers to do that due diligence. they hurt consumers who lose money and hurts legitimate non-profit who lose out to skoomers who use it to line their own pockets. >> david talk to me about steps people can take to prevent credit card fraud? >> i am an ios developer. so as a consumer, myself, what i do, i change my password frequently. i i make it 16 characters long, all sorts of craziness, i have to log into a utility to gain that password and use that password. i change my password every two months or so. i make it very, very difficult to brute force that. >> david, how are companies held
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>> companies that take consumer data in. there are lots of players in the payments network, card issuing companies, banks that issue the cards, networks that process the payments, merchants that take the card information in and consumers that use those pieces of plastic we are referring to. the companies themselves carry quite a bit ofly liability. consumers are using credit cards and debit cards. if the day the is compromised and used commit fraud, consumer will be made whole. often they are made whole by the card issuing banks. for instance with a credit card, covered under a certain set of regulations that require there is limited liability for the consumer.
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similar set of regulations that hold them to limited liability on the debt card. most will hold consumers to 0 liability where the consumer is not on the hook for the fraud committed. >> what kind of consumer can be gotten? >> card information, of course. >> name and credit card number? >> that is an interesting part of this debate. most consumers will recognize they received new cards, these chip cards, which require different set of actions at the terminal, point of sale or atm, some circumstances. whether you have to insert the card into a slot and stay there a certain amount of time reads the chip. chip is important.
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back of the traditional cards, it carries static data. with the new chips, data is different for every purchase. if the information is compromised, fraudster, person that committed to hack won't be able to duplicate that credit card and use it in a fraudulent manner. >> when traveling, what is the best way to stay safe? >> sure. let me hit on one point david raised, he is right. consumers have 0 liability when fraud occurs on a credit or debit card. they have to catch it and report it back to their bank. really important consumers during this time of year pay close attention to credit and debit card statements.
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monthly, check them every two weeks during the holiday season. if you see a suspicious charge, contact your bank immediately. maybe a period of time you have to do that to qualify for the 0 liability. question about traveling, consumers are on the road all the time this time of year. it is important when you are out and about, remember to protect your identity information. if you for example, going to a store you have never been to, to shop, they ask you for a name and e-mail address, that could be, that is personal information. that could be used send you weird phishing e-mails. also this time of year consumers are traveling, scammers know that. we see increase in phishing attacks, look like e-mails from somebody's airline, there is a problem with your flight, click
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downloading malware used to steal from you. >> we are going to continue,
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"rightside" forum. >> welcome back to "rightside" i am raphael armstrong in for armstrong williams. we are talking about security during the holiday season. thanks for joining me, guys. i want to talk about this ios. i think it is so fascinating. my language might not be proper. i want to talk about two-step
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>> basically, you have two-step verification, that information goes to that product, right. that product then verifies that you are a user and user with that e-mail. get an e-mail sent to you from there, click and add your cell phone or another step to that authentication. >> why is that so important? >> if someone has hacked your e-mail address, it just adds more complexity into the authentication process. >> that is important to add that layer of protection as well. i think it is important to think about when you are starting up new electronics. >> to build on what david said, it is important consumers look at additional steps i use it on my critical accounts. consumers use the same e-mail
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across multiple accounts. chances are those scammers are going to turn around and use the same information on your facebook page, twitter, amazon account. one breech could turn into breeches in others. consumers can find out, for they can find out if their e-mail provider has it, local isp offers it. as consumers get new devices and studying them up, take a few minutes, turn it on, doesn't add a whole lot of complexity. incredible improvement for security. >> talk about setting up these new computers, are you at risk of losing that information? what should people be thinking
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>> when you are setting up a security protocol, you should always be careful to use things that you obviously can remember. shouldn't be interacting with companies that are coming to you. you should be going to them for one thing. a lot of folks are getting what we would call phishing scams, other ways hackers gain access to information by sending you information that looks official. could be on official letterhead. we caution consumers, a bank often will not reach out to you asking for your social security number or credit card information. they have that information already. if you are getting this information, you should be careful. that goes with any protocol. i would also point out after a breech has occurred, it is not
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something has happened. they'll sometimes notice funny activity and notify their realm of card users. consumers need to be vigilant. you need to check those accounts. not only for something you think is out of the blue, $500 purchase at a store you would never go to, but small purchases, these hackers are very smart people, they would be fortune 500 if they were legitimate. they are hitting your accounts to get how much money is in your cents. if you see something like that on your account, good way to spot fraud. you need to immediately contact your card issuer.
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security keep up with rate of increase in technology the way we use it? >> great question. >> it is a chicken and egg situation, you have hackers pushing the policies. hackers usually pushing the envelope. policies being made to support hacks from two or three years ago. it is a chicken and egg situation. >> it is fluid. these are very sophisticated operations, very smart people trying to get to your data. the card security environment needs to keep up with that, innovation needs to be fluid as well. as i mentioned earlier, you are getting the chip cards now. we are already getting into other forms of security property calls. some of us are familiar with apple pay and android pay,
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you have bio metrics now, you have to have a thumbprint to access that type of payment information. those are developments helping to improve getting on the other side where the hackers are. we have to stay one step ahead of them. they are on their toes. >> to build on these great points, we talk security experts, what consumers can do to better protect ourselves, it is not sort of install your antivirus, it is something as simple as installing updates, developers are playing a cat and mouse game with hackers. when they put out a patch, it is useless if a consumer doesn't install it. if you are setting up electronics, take a minute, i would say and go into the electronics, make sure they are up to date. hackers know there is a long
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been patched. keep them as up to date as you can for security purposes. >> there is a level of responsibility for the consumer and processers and technology and all three need to be working in concert and otherwise their vulnerability is in any of those. >> sure. >> ecosystem of the payments environment, every one needs to be vigilant and looking out for fraud. >> i would say, too, added player would be regulators. in washington at the state level, right now debating bills that would increase consumer's data security. might make it worse in our opinion. it is really important that washington pay attention. >> thank you for joining us, i
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we'll be right back with >> hello, thanks for joining us, i am raphael armstrong in for armstrong williams. i am talking to hamil harris from "washington post." we are talking about how race is viewed in america. immediately. >> immediately. again this is a revolution, we don't have any idea, because of cell phones and twitter, what happens now comes up now broadcast around the world. i think it is a big deal, again we are going to election of
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and christmas. it is time for primary season. you still can't figure out who is your candidates. >> people are campaigning over twitter and the way they send a message in alabama even new hampshire, used to be state individualized primary when you were catering in different constituencies. >> not too long ago it was iowa, new hampshire official beginning of the race. you had super tuesday. super tuesday is super everyday. it is not wait for the evening news but the next tweet. >> look at the way black lives platter that has accelerated. a lot is people with their cameras and up loading. >> i think donald trump and
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what they put out, the position is where you physically are and who can see you on their phone. whole landscape changed. bright new day for democracy. >> where do you see it going, how has it changed the conversation? >> again you hear about accountability. now you have the police officers having the cameras, not only in the car, but the body cams. when you go to the arrest, police want people to know, this is what we are doing. think about what happened in texas. where is this going in terms of legislation, that is the missing link. is it too much? too much camera, can we interpret what we see. it is all up in the air, until congress gets its act together,
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>> has the black lives matter put forward an agenda? it is still unclear what they want. used to be let's elect somebody. now, it is all over the place. it is almost like you remember wall street, occupy movement. great sound byte. turning sound byte into lasting change is the change. who do you call for black lives matter? it is a great sound byte. organization, that is the missing link here. >> it is about -- technology is the starter. it is the thing that gets it going and needs to continue. that is the question, what do you think the answer is? >> i think the people part of this new movement need to look at the past. aflc -- labor unions, interest groups.
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democratic political organizations, those organizations providing infrastructure. just putting the issue out there is one component. these organizations are changing. i think you have a whole new organization trying to grapple and grab your attention. it is just new material. >> that is interesting. i think what we have seen technology is a starting point. it is not everything. it does not finish the job. it allows people to be connected >> ways.
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